How To Mortgages | Mortgages and Protection in Northampton and Coventry

Are you buying your first home or thinking of moving and need advice?

Mortgage broker in Coventry and Northampton

Impartial mortgage advice from qualified advisers

Liam is an experienced Mortgage and Protection Adviser with over 12 years in the financial services industry. Since 2017, he has successfully run his own business as a self-employed adviser—a venture inspired by the birth of his eldest daughter.

Based in Coventry, Liam proudly supports clients in the local area, offering tailored advice and a personal approach to help them achieve their financial goals.

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Trusted mortgage and protection advice

Mortgage and protection advice from expert advisers in Coventry and Northampton.

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Full advice given on a range of products including life insurance, critical illness and income protection.

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Your mortgage questions answered

Got questions? We’ve got simple answers and advice for mortgages in Coventry and Northampton.

How much deposit do I need for a mortgage?

Most lenders ask for a minimum deposit of 5% of the property price. So, if you’re buying a £200,000 home in Coventry or Northampton, you’d usually need at least £10,000 saved. A bigger deposit (like 10% or 15%) can help you get better mortgage deals and lower monthly payments.

How much can I borrow for a mortgage in Coventry or Northampton?

How much you can borrow depends on your income, outgoings, credit history, and the size of your deposit. Most lenders offer 4 to 4.5 times your annual income, though this can vary. Use our mortgage calculator to get a quick idea – or message us on WhatsApp for personalised help.

Can I get a mortgage with zero deposit?

Zero deposit mortgages do exist, but they have extra terms and conditions to meet. Some require assistant from a family guarantor, may need you to have a proven record of renting or may allow no deposit depending on your credit history and circumstances. 100% mortgages are often aimed at first-time buyers with strong financial backgrounds but no savings. We can talk you through your options for no-deposit mortgages in Coventry and Northampton.

What does the mortgage process look like?

Here’s a quick step-by-step:

Speak to an adviser (that’s us!)
Check your affordability and get a Decision in Principle
Find a property
Submit your full mortgage application
Valuation and legal work begins (we help with solicitors and surveys)
Receive your mortgage offer
Exchange contracts and complete

From start to finish, we’re here to guide you every step of the way.

Can I get a mortgage if I’m self-employed?

Yes – you can still get a mortgage if you’re self-employed in Coventry or Northampton.

How long does the mortgage process take?

On average, the full mortgage process takes 2 to 4 weeks, depending on how quickly your documents are provided, how complex your case is, and how quickly the lender can assess your application. We’ll help keep everything on track from start to finish.

Can I get a mortgage with previous credit problems?

Yes, it’s possible. We work with specialist lenders who consider applicants with bad credit, including defaults, CCJs, IVA’s, debt management plans or previous bankruptcy – especially if the issues were in the past. If you’ve had credit problems but want to buy in Coventry, Northampton or the surrounding Midlands, talk to us. We’ll fully review your credit history and explore what’s possible for your situation.